2. Third-party payment platform repayment: At present, most payment platforms have opened credit card repayment functions, such as Alipay and WeChat. You can pay by binding a credit card to mobile phone Alipay or WeChat, and then repaying through the credit card repayment function of these platforms. This repayment method is also free, but it does not arrive in real time. It is recommended to repay in this way, preferably a few days in advance.
The so-called credit card freeze means that credit cards can't be used suddenly, such as credit cards can't be swiped, cash can't be withdrawn, and installment business can't be done. Generally, there are three main situations that lead to the freezing of credit cards, namely, repeated overdue repayment, suspected cashing, and credit card risk.
Operating environment: apple 12, ios 14.
Unsealing method:
If the credit card is frozen due to overdue, the overdue amount should be returned as soon as possible. After paying off the debt, you can call the credit card center of the issuing bank, and the general bank will unfreeze it. Don't easily overdue in the future, because overdue will be included in the credit report, and it will be difficult to borrow too many times. Because my carelessness has affected the future, it is not cost-effective.
If you freeze your credit card because it is lost or stolen, the issuing bank will unfreeze it after the relevant matters are handled, or you can take the initiative to ask for unfreezing (for example, if you think your card is lost, you can cancel it by phone later).
Cash out is troublesome. If the bank recognizes the cardholder's cashing, it is generally impossible to unseal the card. However, if there is evidence that it is not cash, but there is a problem with the merchant's Pos machine, the credit card center may also unseal it. At this time, the bank may ask the cardholder to provide a small ticket or recall the credit card. Therefore, it is best for cardholders to keep a record of each "consumption" and keep a small ticket (or invoice) for the bank to inquire. Cardholders may not get into the habit of keeping receipts, so just talk to customer service. It is best not to issue false invoices.
Now some banks feel that the conflict caused by card closure is too fierce, and may also choose to reduce the credit card limit. In this case, if the unsealing is hopeless, the best way is to do another one, or try to raise the amount after a while.
If you have to contact customer service because your card is frozen, please pretend to be very angry, and frequently talk to people who have received insurance promotion and small loans during this period, saying that their information comes from the bank, and then say that the invitation is not agreed by stages. This may also be a retaliatory card closure, requiring a higher level of customer service supervisor.